--- title: Veritas Risk Management & Insurance Services Blog (8) description: Trying to learn more about insurance, safety, & risk management? We send out information weekly to help you protect your family and/or your business. (8) --- [Skip to the main content.](https://education.veritasrm.com/page/8#main-content) [![Veritas Insurance](https://education.veritasrm.com/hs-fs/hubfs/Screenshot_2022-07-27_161347-removebg-preview.png?width=679&height=124&name=Screenshot_2022-07-27_161347-removebg-preview.png "Veritas Insurance")](https://veritasrm.com/) [![Veritas Insurance](https://education.veritasrm.com/hs-fs/hubfs/veritasrm-1.png?width=1000&height=145&name=veritasrm-1.png "Veritas Insurance")](https://veritasrm.com/) - Get Insurance - [Business Insurance](https://veritasrm.com/insure-your-business/) - [Types of Coverage](https://veritasrm.com/insure-your-business/business-insurance/) - [Personal Insurance](https://veritasrm.com/personal/) - About Us - [Companies We Represent](https://veritasrm.com/companies-we-represent/) - [Contact Us](https://veritasrm.com/contact-us/) - [Meet Our Team](https://veritasrm.com/meet-our-team/) - [Andrew Darlington](https://veritasrm.com/andrew-darlington/) - [Tammy Collins](https://veritasrm.com/tammy-collins/) - [Regina Davis](https://veritasrm.com/regina-davis/) - [Jennifer Plaisted](https://veritasrm.com/jennifer-plaisted/) - [Tony Dale](https://veritasrm.com/tony-dale/) - [Jonathan Lugo](https://veritasrm.com/jonathan-lugo/) - [Laryn Hurley](https://veritasrm.com/laryn-hurley/) - [Sheri Taylor](https://veritasrm.com/sheri-taylor/) - [Lynn Hodge](https://veritasrm.com/lynn-hodge/) - [Heather Trent](https://veritasrm.com/heather-trent/) - [Andy Warner](https://veritasrm.com/andy-warner/) - [Sarrah Rossi](https://veritasrm.com/sarrah-rossi/) - [Refer Us and Win](https://veritasrm.com/refer-us-and-win/) - [Blog](https://education.veritasrm.com) Search *Search* Toggle Menu Search *Search* Toggle Menu - Get Insurance *Toggle Menu* - [Business Insurance *Toggle Menu*](https://veritasrm.com/insure-your-business/) - [Types of Coverage](https://veritasrm.com/insure-your-business/business-insurance/) - [Personal Insurance](https://veritasrm.com/personal/) - About Us *Toggle Menu* - [Companies We Represent](https://veritasrm.com/companies-we-represent/) - [Contact Us](https://veritasrm.com/contact-us/) - [Meet Our Team *Toggle Menu*](https://veritasrm.com/meet-our-team/) - [Andrew Darlington](https://veritasrm.com/andrew-darlington/) - [Tammy Collins](https://veritasrm.com/tammy-collins/) - [Regina Davis](https://veritasrm.com/regina-davis/) - [Jennifer Plaisted](https://veritasrm.com/jennifer-plaisted/) - [Tony Dale](https://veritasrm.com/tony-dale/) - [Jonathan Lugo](https://veritasrm.com/jonathan-lugo/) - [Laryn Hurley](https://veritasrm.com/laryn-hurley/) - [Sheri Taylor](https://veritasrm.com/sheri-taylor/) - [Lynn Hodge](https://veritasrm.com/lynn-hodge/) - [Heather Trent](https://veritasrm.com/heather-trent/) - [Andy Warner](https://veritasrm.com/andy-warner/) - [Sarrah Rossi](https://veritasrm.com/sarrah-rossi/) - [Refer Us and Win](https://veritasrm.com/refer-us-and-win/) - [Blog](https://education.veritasrm.com) [*Facebook*](https://education.veritasrm.com/page/8#0) [*Instagram*](https://education.veritasrm.com/page/8#0) [*LinkedIn*](https://education.veritasrm.com/page/8#0) [*Twitter*](https://education.veritasrm.com/page/8#0) [*Youtube*](https://education.veritasrm.com/page/8#0) [*Medium*](https://education.veritasrm.com/page/8#0) # Veritas Blog Explore the basics of different insurance types and discover how knowing your coverage details can protect you. Our blog features easy-to-read articles that highlight the importance of proper coverage. Learn more and ensure you’re fully protected—simply and clearly. Additionally, stay up to date on our work in the community! ##### Sign Up Today [![](https://education.veritasrm.com/hs-fs/hubfs/Photo%20editors%20using%20laptop%20in%20meeting%20room%20at%20office.jpeg?width=1000&height=667&name=Photo%20editors%20using%20laptop%20in%20meeting%20room%20at%20office.jpeg)](https://education.veritasrm.com/claim-reserves-explained) 3 min read #### [Claim Reserves Explained](https://education.veritasrm.com/claim-reserves-explained) ![Picture of Andrew Darlington](https://education.veritasrm.com/hs-fs/hubfs/DarlingtonFace.jpg?width=30&name=DarlingtonFace.jpg) [Andrew Darlington](https://education.veritasrm.com/author/andrew-darlington): September 2, 2024 at 2:12 PM When a workers’ compensation claim takes place within an organization, it’s critical for the insurer to supply the funds necessary to cover the cost... [Workers' Compensation](https://education.veritasrm.com/tag/workers-compensation) [![](https://education.veritasrm.com/hs-fs/hubfs/Red%20Office%20Folder%20with%20Inscription%20Health%20Insurance%20on%20Office%20Desktop%20with%20Office%20Supplies%20and%20Modern%20Laptop.%20Business%20Concept%20on%20Blurred%20Background.%20Toned%20Image..jpeg?width=1000&height=750&name=Red%20Office%20Folder%20with%20Inscription%20Health%20Insurance%20on%20Office%20Desktop%20with%20Office%20Supplies%20and%20Modern%20Laptop.%20Business%20Concept%20on%20Blurred%20Background.%20Toned%20Image..jpeg)](https://education.veritasrm.com/what-is-a-health-insurance-deductible) 3 min read #### [What is a Health Insurance Deductible?](https://education.veritasrm.com/what-is-a-health-insurance-deductible) ![Picture of Andrew Darlington](https://education.veritasrm.com/hs-fs/hubfs/DarlingtonFace.jpg?width=30&name=DarlingtonFace.jpg) [Andrew Darlington](https://education.veritasrm.com/author/andrew-darlington): August 28, 2024 at 10:53 AM DEDUCTIBLE [Health Insurance](https://education.veritasrm.com/tag/health-insurance) [![](https://education.veritasrm.com/hs-fs/hubfs/Financial%20adviser%20showing%20terms%20of%20contract%20on%20tablet.jpeg?width=1000&height=667&name=Financial%20adviser%20showing%20terms%20of%20contract%20on%20tablet.jpeg)](https://education.veritasrm.com/what-is-a-co-insurance-for-health-insurance) 1 min read #### [What is a Co-Insurance for Health Insurance?](https://education.veritasrm.com/what-is-a-co-insurance-for-health-insurance) ![Picture of Andrew Darlington](https://education.veritasrm.com/hs-fs/hubfs/DarlingtonFace.jpg?width=30&name=DarlingtonFace.jpg) [Andrew Darlington](https://education.veritasrm.com/author/andrew-darlington): August 26, 2024 at 10:50 AM Co-insurance is the percentage split that you have with the health insurance company. Generally, after you hit a deductible, then there's gonna be a... [Health Insurance](https://education.veritasrm.com/tag/health-insurance) [![](https://education.veritasrm.com/hs-fs/hubfs/Unposed%20group%20of%20creative%20business%20people%20in%20an%20open%20concept%20office%20brainstorming%20their%20next%20project..jpeg?width=1000&height=667&name=Unposed%20group%20of%20creative%20business%20people%20in%20an%20open%20concept%20office%20brainstorming%20their%20next%20project..jpeg)](https://education.veritasrm.com/control-premium-audits-to-eliminate-overcharges) 2 min read #### [Controlling Premium Audits to Eliminate Overcharges](https://education.veritasrm.com/control-premium-audits-to-eliminate-overcharges) ![Picture of Andrew Darlington](https://education.veritasrm.com/hs-fs/hubfs/DarlingtonFace.jpg?width=30&name=DarlingtonFace.jpg) [Andrew Darlington](https://education.veritasrm.com/author/andrew-darlington): August 26, 2024 at 10:45 AM Due to the volume of requests they receive, insurance companies have developed a very efficient premium audit process. While they strive to be as... [Business Insights](https://education.veritasrm.com/tag/business-insights) [![](https://education.veritasrm.com/hs-fs/hubfs/Doctor%20stretching%20a%20young%20woman%20arm%20in%20medical%20office.jpeg?width=1000&height=667&name=Doctor%20stretching%20a%20young%20woman%20arm%20in%20medical%20office.jpeg)](https://education.veritasrm.com/waddells-signs) 2 min read #### [Waddell’s Signs](https://education.veritasrm.com/waddells-signs) ![Picture of Andrew Darlington](https://education.veritasrm.com/hs-fs/hubfs/DarlingtonFace.jpg?width=30&name=DarlingtonFace.jpg) [Andrew Darlington](https://education.veritasrm.com/author/andrew-darlington): August 24, 2024 at 10:44 AM Waddell’s Signs and Workers’ Compensation Claims [Business Insights](https://education.veritasrm.com/tag/business-insights) [Workers' Compensation](https://education.veritasrm.com/tag/workers-compensation) [![](https://education.veritasrm.com/hs-fs/hubfs/Medical%20team%20at%20the%20hospital%20looking%20very%20happy.jpeg?width=1000&height=667&name=Medical%20team%20at%20the%20hospital%20looking%20very%20happy.jpeg)](https://education.veritasrm.com/choosing-a-medical-provider-for-workers-comp) 3 min read #### [Choosing a Medical Provider for Workers’ Comp](https://education.veritasrm.com/choosing-a-medical-provider-for-workers-comp) ![Picture of Andrew Darlington](https://education.veritasrm.com/hs-fs/hubfs/DarlingtonFace.jpg?width=30&name=DarlingtonFace.jpg) [Andrew Darlington](https://education.veritasrm.com/author/andrew-darlington): August 21, 2024 at 10:43 AM Considerations for Choosing a Medical Provider for Workers’ Compensation Injuries [Business Insights](https://education.veritasrm.com/tag/business-insights) [Workers' Compensation](https://education.veritasrm.com/tag/workers-compensation) [![](https://education.veritasrm.com/hs-fs/hubfs/Closeup%20portrait%20of%20health%20care%20professional%2c%20dr%20or%20md%20with%20stethoscope%20pointing%20to%20sign%20that%20says%20healthcare%20reform%20now%3F%3F%3F%2c%20isolated%20on%20white%20background.jpeg?width=1000&height=585&name=Closeup%20portrait%20of%20health%20care%20professional%2c%20dr%20or%20md%20with%20stethoscope%20pointing%20to%20sign%20that%20says%20healthcare%20reform%20now%3F%3F%3F%2c%20isolated%20on%20white%20background.jpeg)](https://education.veritasrm.com/what-is-a-health-insurance-maximum-out-of-pocket-amount) #### [What is a Health Insurance Maximum Out-of-Pocket Amount?](https://education.veritasrm.com/what-is-a-health-insurance-maximum-out-of-pocket-amount) ![Picture of Andrew Darlington](https://education.veritasrm.com/hs-fs/hubfs/DarlingtonFace.jpg?width=30&name=DarlingtonFace.jpg) [Andrew Darlington](https://education.veritasrm.com/author/andrew-darlington): August 19, 2024 at 10:42 AM Maximum Out-of-Pocket [Workers' Compensation](https://education.veritasrm.com/tag/workers-compensation) [Health Insurance](https://education.veritasrm.com/tag/health-insurance) [![](https://education.veritasrm.com/hs-fs/hubfs/Claims%20-%20Ring%20Binder%20on%20Office%20Desktop%20with%20Office%20Supplies.%20Business%20Concept%20on%20Blurred%20Background.%20Toned%20Illustration..jpeg?width=1000&height=667&name=Claims%20-%20Ring%20Binder%20on%20Office%20Desktop%20with%20Office%20Supplies.%20Business%20Concept%20on%20Blurred%20Background.%20Toned%20Illustration..jpeg)](https://education.veritasrm.com/how-opioid-use-affects-workers-compensation) 1 min read #### [How Opioid Use Affects Workers’ Compensation](https://education.veritasrm.com/how-opioid-use-affects-workers-compensation) ![Picture of Andrew Darlington](https://education.veritasrm.com/hs-fs/hubfs/DarlingtonFace.jpg?width=30&name=DarlingtonFace.jpg) [Andrew Darlington](https://education.veritasrm.com/author/andrew-darlington): August 17, 2024 at 10:39 AM Prescription opioids are the number one workers’ compensation problem in terms of controlling the ultimate cost of indemnity losses. This comes from... [Workers' Compensation](https://education.veritasrm.com/tag/workers-compensation) [![](https://education.veritasrm.com/hs-fs/hubfs/pexels-fauxels-3184429.jpg?width=6000&height=4000&name=pexels-fauxels-3184429.jpg)](https://education.veritasrm.com/workplace-wellness-programs) 1 min read #### [Workplace Wellness Programs](https://education.veritasrm.com/workplace-wellness-programs) ![Picture of Andrew Darlington](https://education.veritasrm.com/hs-fs/hubfs/DarlingtonFace.jpg?width=30&name=DarlingtonFace.jpg) [Andrew Darlington](https://education.veritasrm.com/author/andrew-darlington): August 13, 2024 at 10:38 AM Workplace Wellness Programs to Reduce Workers’ Compensation Costs [Business Insights](https://education.veritasrm.com/tag/business-insights) [![](https://education.veritasrm.com/hs-fs/hubfs/Image%20of%20businessmans%20hands%20holding%20microphone%20at%20conference.jpeg?width=1000&height=667&name=Image%20of%20businessmans%20hands%20holding%20microphone%20at%20conference.jpeg)](https://education.veritasrm.com/changes-to-nccis-primary-excess-split-point) 2 min read #### [Changes to NCCI’s Primary-excess Split Point](https://education.veritasrm.com/changes-to-nccis-primary-excess-split-point) ![Picture of Andrew Darlington](https://education.veritasrm.com/hs-fs/hubfs/DarlingtonFace.jpg?width=30&name=DarlingtonFace.jpg) [Andrew Darlington](https://education.veritasrm.com/author/andrew-darlington): August 10, 2024 at 10:37 AM In 2011, the National Council on Compensation Insurance (NCCI) proposed a change to the experience rating plan to increase the primary-excess split... [Business Insights](https://education.veritasrm.com/tag/business-insights) [Prev](https://education.veritasrm.com/page/7) [6](https://education.veritasrm.com/page/6) [7](https://education.veritasrm.com/page/7) [8](https://education.veritasrm.com/page/8) [9](https://education.veritasrm.com/page/9) [10](https://education.veritasrm.com/page/10) [Next](https://education.veritasrm.com/page/9) ##### Site Navigation Site Navigation - [Home](https://veritasrm.com) - [Personal](https://veritasrm.com/personal/) - [Business](https://veritasrm.com/insure-your-business/business-insurance/) - [About us](https://veritasrm.com/meet-our-team/) - [Contact us](https://veritasrm.com/contact-us/) - [Blog](https://veritasrm.com/blog/) - [Service Center](https://veritasrm.com/service-center/) ##### Contact Contact - [4451 North Roan Street Suite #201](https://www.google.com/maps/place/Veritas+Risk+Management+and+Insurance+Services/@36.3843639,-82.4100702,15z/data=!4m14!1m7!3m6!1s0x885a881f771d2425:0xf3c063745e16f772!2sVeritas+Risk+Management+and+Insurance+Services!8m2!3d36.3842735!4d-82.4097824!16s%2Fg%2F1thd7db4!3m5!1s0x885a881f771d2425:0xf3c063745e16f772!8m2!3d36.3842735!4d-82.4097824!16s%2Fg%2F1thd7db4) - [Johnson City, TN 37615](https://www.google.com/maps/place/4451+N+Roan+St+%23201,+Johnson+City,+TN+37615/@36.38462,-82.4098307,17z/data=!3m1!4b1!4m6!3m5!1s0x885a8815fdb65d9d:0xf09c719d3519939!8m2!3d36.38462!4d-82.4098307!16s%2Fg%2F11n_yvqhzc) - [(423) 292-4142](tel:423-292-4142) - [help@VeritasRM.com](mailto:help@VeritasRM.com) - [Monday - Friday 8:30a - 5:00p](https://Veritasrm.com) - [Career Opportunities](https://veritasrm.com/career-opportunities/) [![Screenshot\_2022-07-27\_161347-removebg-preview](https://education.veritasrm.com/hubfs/Screenshot_2022-07-27_161347-removebg-preview.png)](https://veritasrm.com/) © 2026 All Rights Reserved ©2022 Veritas Risk Management & Insurance Services [*Facebook*](https://www.facebook.com/veritasrm/)[*Twitter*](https://twitter.com/veritas_ins)[*Instagram*](https://www.instagram.com/veritasriskmanagement/?hl=en)[*LinkedIn*](https://www.linkedin.com/company/veritasrm)[*YouTube*](https://www.youtube.com/c/VeritasRiskManagementIncJohnsonCity) *Return to Top*